0 Florence St, Gardner MA 01440
Gardner, MA 01440
$7,500
Est. $247/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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About this home
Vacant land at the end of Florence St, running behind 178, 186, and 190 Waterford St.
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Public Records & Permits
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Property History
Property Timeline
Listed for Sale
Sep 9, 2026
$7,500
Original listing
Agent: Gretchen Tully
Office: Coldwell Banker Realty - Leominster
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/09/2026 | 🏠 Listed for Sale | $7,500 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $103 | $7,500 |
Financial Details
Annual Property Tax
$103
Tax Year 2026
Assessed Value
$7,500
Facts & Features
Home Facts
Type
Land
Style
Residential
Lot Size
0.23 acres
Exterior
Construction
None
Architecture
None
Roof
None
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Utilities
Electric
At Street
Water
At Street
Sewer
At Street
Gas
None
Other
None
Financial
Annual Tax
$103
Assessed Value
$7,500
MA Disclosures
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Documents
None
County
Worcester
Property Overview
Property Type
Residential
Listing Type
For Sale
Floor Layout
Interactive room guide
Floor Layout
Display Options
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:
Construction & Materials
Structure Type:
Exterior Materials:
Roof:
Foundation:
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Water Source:
At Street
Sewer:
At Street
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Sloped, Wooded
Road Surface:
Parking & Garage
Parking Features:
Nearby Schools
School District
Gardner School District local
D
School Safety
2024-25
5.8%
Above Average
5.6%
Suspensions
0.5%
In-School
0.2%
Emergency
0.3% above state avg
Elementary Schools
2 schools
Wachusett Hills Christian School
2.7 mi
Grades K-08
C-
Gardner Elementary School
1.1 mi
|
#677 of 825
|
Score: 37.1
Improved 88 spots from last year
-21.1 below state avg
1,071 students
Diverse
Rising School
Diverse Student Body
Grades PK-04
Middle Schools
1 school
D
Gardner Middle School
0.7 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
High Schools
2 schools
C+
Gardner High School
0.8 mi
|
#230 of 346
|
Score: 49.5
Improved 83 spots from last year
-8.7 below state avg
797 students
Diverse
15 sports
• 820 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 08-12
D
Gardner Academy for Learning and Technology
1.2 mi
|
#325 of 346
|
Score: 30.7
Improved 54 spots from last year
-27.5 below state avg
74 students
Diverse
Early College Program
Rising School
Career Tech Programs
Grades 09-12
Learn about these ratings
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$9
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
0 Florence St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Gretchen Tully
Listing Office
Coldwell Banker Realty - Leominster
Office Phone
978-840-4014
Agent MLS ID
CN232705
Office MLS ID
AN6215
Listing Data Updated
Sep 9, 2026 3:04 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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